Policies that cover your small business

The best commercial coverage for the right cost.

At Bedrock Insurance, we offer many different business insurance options to protect your dream. With our range of insurance companies, we can ensure that your business operates efficiently while keeping your overhead costs low.

Business or Commercial Insurance

Every business needs commercial insurance of some kind or another, depending on the size of the business, its nature, and insufficient amounts to shield it from serious, if not fatal, losses and liabilities. Only a serious, thoughtful review of business operations and assets can determine the kinds and amounts of insurance needed for a specific business, though commercial insurance agents should be able to offer some guidance.

Generally speaking, commercial insurance covers businesses and the most known types are property, liability, and workers' compensation insurance. Property insurance provides coverage to your business property damages; liability insurance covers damages to 3rd parties or someone else's property, and workers' compensation insurance covers your employees who get injured at the job.

Commercial Insurance Policy

A commercial insurance policy for "actual value" means losses to the property would only be covered for the particular cost of the property, like a building or piece of equipment, less depreciation. Ensuring the property for "replacement value" would mean the insurance would cover only the cost of replacing the loss at current market costs.

Let's take an example of building "replacement value" coverage would pay for replacing it at current construction and outfitting costs, whereas "actual value" coverage would only pay for the loss incurred for the original cost of building after depreciation. The two are very different, have different payouts, and why so carry different price tags, so this issue needs careful consideration.

Commercial Options

General Liability

The most common policy for small business owners.

Worker's Compensation

Protect yourself and your employees.

Commercial Property

Protection for the building and property your business owns.

Contractor's Equipment

Protect the tools of your trade.

Professional Liability (E&O)

Protect yourself from any errors or omissions.

Builder's Risk

Are you renovating a property as part of your business? Insure the property here.

Cyber Liability

Protect your business from data breaches and cyber threats.

Commercial Umbrella

Increase your liability limits if you have a high-risk business.

Don't see what you're after? Contact us anyways and see if we can help!

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